Best Homeowners Insurance Companies

For most people their home is the single largest purchase they'll ever make. That's why it is so important to protect it with the best homeowners insurance you can get. In most instances, having homeowners insurance is mandatory so you'll want to make sure you have the coverage that is right for you.

Below is a list of the best homeowners insurance companies sorted by price, coverage, customization ability, and customer service.

The Top Ten

1 Liberty Mutual Liberty Mutual

Liberty Mutual is a breeze to work with. They offer personal property replacement, 24 hour repairs for damage and multi-policy discounts. They even have "additional living expense coverage" where if you can't stay in your home due to a covered loss, they will "provide extra coverage for living expenses, enabling your family to maintain its normal standard of living." Not only do you get all those benefits but it's also one of the least expensive on the market.

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2 State Farm State Farm

They also have multi-policy discounts to offer as well as discounts for things like having deadbolt locks and fire extinguishers - they really stress the preventative measures you can take to safeguard your home. After all, why make a claim if you can avoid the hassle to begin with.
They are really easy to work with and will get a quote back to you in a manner of minutes.

I think State Farm is the best out there, as long as you don't have to make a claim.

I've had State Farm for years and all they do is go up, up and up every year,

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3 Allstate Allstate

Allstate will let you design your coverage for the type of home you own and lifestyle you enjoy. Plus, "Allstate has Optional features to offer you protection when you need it and rewards when you don't" according to their agents. These include their Claim RateGuard which "Helps keep your rate from going up just because of a claim." as well as having incentives to switch over to them with a clean claim record. They have a nice feature to let you see the features state by state so you know what you're getting before you sign up.

Fantastic company and my local agent, The Pollick Agency in Beaver, Pa has done a great job at helping us choose our coverage levels and explaining what all of it means!

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4 Farmers Visit Website9
5 Amica Visit Website9
7 Travelers Insurance Visit Website9
8 AmFam

You get a dedicated agent to help you build your policy with American Family. They will often provide accommodations (hotel) in the event you are forced out of your house due to damage. They also have very good liability coverage in case of accidents to you or someone else while on your property.

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9 Nationwide Nationwide Visit Website9
10 21st Century Insurance 21st Century Insurance

An all-inclusive provider, 21st Century gives you a 10% discount on your homeowners insurance if you already have an auto policy with them. Online customer service available 24/7 makes filing a claim a breeze.

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The Contenders

11 Progressive Progressive

A very informative website and the ability to customize your coverage make Progressive a good choice for your homeowners plan. While it CAN be the cheapest option, there are enough add-ons to build into your plan your cost can grow pretty quickly. Coverage is a premium with Progressive though.

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12 Geico Geico Visit Website
13 ANPAC Visit Website
14 Esurance Esurance

Typical 24/7 claim filing with their customer service, protection against property theft and damage, and you can get discounts on your policy are the top 3 reasons to go with Esurance. They also have online policy management and flexible payment options.

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15 Belairdirect Visit Website
16 Mercury Visit Website
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